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There are a lot of exclusions in Private Medical Insurance that you have to be aware of before taking it out. PMI is expensive and you want to be sure that you can use it the way it is intended to and in accordance to the policy that you have understood and agreed upon. Unfortunately, there have been a lot of complaints about insurance companies not paying for medical expenses incurred by the insured even if they were supposed to according to the terms. There are also some PMIs that do not cover the whole cost of the surgery or other...

Being self-employed means you have established yourself from being financially independent from an employer and the four walls of an office. Working for yourself has its perks but what happens if you can no longer work because of an accident or an illness? Unfortunately, you don’t have sick benefits because you don’t have an employer so you would have to rely on what you yourself have set up for unforeseen circumstances like being sick. Although you may be entitled to state benefits, it may not be enough to keep your finances in order and...

Is Private Medical Insurance a luxury or a necessity? Private Medical Insurance covers short-term health problems and provide faster and easier access to diagnosis, treatment and care. It does not cover life-threatening diseases or long-term disability conditions but ensures that you get additional support for your National Health Service benefits for non-life threatening ailments. PMIs cover just about anyone who can afford but the older you are, the more expensive your premium will be. - Insurance companies accept anyone of any age...

Health insurance in the UK often does not include mental disorder in the coverage. Mental disabilities like schizophrenia, depression and dementia may have long-term effects on people who have them and those that care for them often get the run of the mill when seeking financial support from insurance companies. Having mental health problems puts a person at a high-risk category by insurance companies. Unfortunately, it is only determined by a yes or no question on whether you have or had mental health issues. If you say yes, the chance of...

Life is full of uncertainty. You never know what happens next and you are never sure how one thing leads to another. Unfortunately, as there are good things that happen in life, there are bad things as well. This is just the way life goes and the only thing we can do is to prepare for the worst as much as we can. Because of this, insurance has become a popular way of providing the peace of mind and security that whatever happens, you or your family will get support so you can avoid worse situations from becoming worst. To find out the most...